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Consumers typically do not need to worry about the cost of tree insurance, as professional tree service companies pay for their own coverage. For a tree service business, an average U.S. policy covering about $1 million in general liability costs roughly $40 a month or $500 a year. More extensive policies, providing between $500,000 to $2 million in coverage, can cost between $3,000 and $6,000 annually, depending on the company's size and scope of work. Tree service professionals should speak with an insurance company to determine the right plan for their business.

We don’t recommend DIY tree trimming for a few different reasons. First, the tools required to trim a tree can be costly, up to $1,100 or more, for the ladders and specialized saws needed. 

Safety is another concern, especially when working with more mature trees. As a guideline, you should only DIY tree trimming when branches are less than two inches in diameter. Any more, and the safety risk becomes too high, which could lead to catastrophe. For this job, it’s safest to let a tree-trimming professional assess the work needed.

A general rule is that trees need 10 gallons of water for each inch of the tree’s diameter. For large trees, that can amount to approximately 160 gallons of water or more. Watering big trees to this extent can take quite a bit of time using a hose. For this reason, you may consider installing a soaker hose or sprinkler system to make the job easier.  

Depending on the severity of the damage, a tree might continue healing for years after a split or a break. Saplings can usually bounce back in the spring in one or two seasons, but larger trees might take a few years to regain their former strength. If your tree is showing strong growth and is not dropping limbs, you can consider it healed after the first two seasons.